Bank call report · Brunswick, GA
South Coast Bank & Trust Call Report
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South Coast Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 253 reported line items, schedule by schedule (430 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 706030 |
| FDIC certificate number | 16283 |
| Total assets | $269.8M |
Official Q2 2026 call report PDF (FFIEC) →
South Coast Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · South Coast Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $269.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $269.8M |
| Total Liabilities and Minority Interest | RCON2948 | $247.4M |
| Total Deposits | RCON2200 | $239.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $193.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $190.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $188.4M |
| Deposits: Noninterest-bearing | RCON6631 | $51.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $40.1M |
| Interest-bearing Balances | RCON0071 | $26.4M |
| Total Equity Capital | RCON3210 | $22.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $22.4M |
| Surplus | RCON3839 | $14.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $12.3M |
| Other Borrowed Money | RCON3190 | $6.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.6M |
| Other Assets | RCON2160 | $4.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.1M |
| Other Liabilities, Total | RCON2930 | $2.0M |
| Federal Funds Sold | RCONB987 | $699K |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $236K |
| Held-to-maturity Securities, Total | RCON1754 | $236K |
| Common Stock | RCON3230 | $103K |
Schedule RI: Income Statement (35 items)
About Schedule RI · South Coast Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $7.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.4M |
| Net Interest Income | RIAD4074 | $4.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.5M |
| Total Noninterest Expense | RIAD4093 | $3.3M |
| Total Interest Expense | RIAD4073 | $2.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.0M |
| Net Income (Loss) | RIAD4340 | $2.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.6M |
| Other Noninterest Expense | RIAD4092 | $1.5M |
| Salaries and Employee Benefits | RIAD4135 | $1.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $623K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $518K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $472K |
| Total Noninterest Income | RIAD4079 | $432K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $396K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $341K |
| Other Noninterest Income | RIADB497 | $330K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $281K |
| Interest on Other Securities | RIAD4060 | $195K |
| Other Interest Expense | RIADGW44 | $109K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $102K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $63K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $59K |
| Provision for Loan and Lease Losses | RIAD4230 | $53K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $41K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $39K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $18K |
| Other Interest Income | RIAD4518 | $14K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 27 |
Schedule RC-B: Securities (30 items)
About Schedule RC-B · South Coast Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $479K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $480K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $44.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $22.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $21.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $15.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $14.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $14.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.9M |
| Pledged Securities | RCON0416 | $6.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.0M |
| Amortized Cost of Structured Notes | RCON8782 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.4M |
| Fair Value of Structured Notes | RCON8783 | $1.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $989K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $865K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $719K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $504K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $488K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $480K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $341K |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $250K |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $236K |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $230K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $230K |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $226K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · South Coast Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $193.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $60.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $52.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $44.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $36.6M |
| Pledged Loans and Leases | RCONG378 | $35.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $33.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $31.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $30.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $26.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $22.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $21.3M |
| Commercial and Industrial Loans | RCON1766 | $17.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $16.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $13.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $10.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $5.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $796K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $487K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $454K |
| Unearned Income on Loans | RCON2123 | $309K |
| Other Loans | RCONJ464 | $71K |
| Real Estate Loans Secured by Farmland | RCON1420 | $62K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $28.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $395K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $62K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 73 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 63 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 35 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 33 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 25 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · South Coast Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $165.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $134.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $113.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $73.5M |
| Total Transaction Accounts | RCON2215 | $73.5M |
| Total reciprocal deposits | RCONJH83 | $71.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $71.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $34.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $34.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $28.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $25.1M |
| Total Brokered Deposits | RCON2365 | $21.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $20.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $19.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $17.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $15.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $10.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $6.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.2M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.9M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.1M |
| Accrued Interest Receivable | RCONB556 | $981K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $471K |
| Other Assets | RCON2168 | $432K |
| Prepaid Expenses | RCON2166 | $161K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.4M |
| Other Expenses Accrued and Unpaid | RCON3646 | $273K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $197K |
| Deferred Compensation Liabilities | RCONC011 | $181K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $70K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · South Coast Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $275.0M |
| Quarterly Average of Total Loans | RCON3360 | $196.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $119.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $109.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $68.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $29.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $24.9M |
| Mortgage-backed Securities | RCONB559 | $21.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $17.9M |
| All Other Securities | RCONB560 | $16.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $16.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $6.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $939K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · South Coast Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $15.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $5.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $3.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $912K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $263K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · South Coast Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $6.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.5M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · South Coast Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $947K |
| Additions to Nonaccrual Assets | RCONC410 | $908K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $837K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $837K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $798K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $706K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $659K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $494K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $430K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $200K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $110K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $73K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $39K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · South Coast Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $275.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $239.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $150.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $86.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $26.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $841K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,387 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 141 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 40 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · South Coast Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $275.0M |
| Average total consolidated assets | RCOAKW03 | $275.0M |
| Total Assets | RCOA2170 | $269.8M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $34.4M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $34.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $27.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $27.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $27.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $22.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $14.9M |
| Retained Earnings | RCOAKW00 | $12.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $263K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1273 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.099 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $22.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $21.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $21.1M |
| Other Comprehensive Income | RIADB511 | -$374K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $316K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · South Coast Bank & Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $74K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $70K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $4K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · South Coast Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $3.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $74K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $10K |
South Coast Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the South Coast Bank & Trust call report?
The South Coast Bank & Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does South Coast Bank & Trust file?
South Coast Bank & Trust files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the South Coast Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: South Coast Bank & Trust has Federal Reserve RSSD ID 706030 and FDIC certificate number 16283. Either one finds its filings on the FFIEC Central Data Repository.
How often does South Coast Bank & Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
South Coast Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16283) · FFIEC NIC profile (RSSD 706030)